The 530e is a much nicer car, but given your numbers, it’s 55% more than the Fusion. But based on sticker prices, that scales about right. So I guess the question is if you want to spend 55% more for the luxury sedan vs the mainstream sedan. The Fusion does have 12k miles vs the 530e’s 10k if you think you’ll need them.
As for insurance, just go get a few quotes online, plenty of places you can do it.
530e gets 12 miles per electric charger, it is hardly worth it if you are looking at electronic cars.
Clearly you want the BMW and want someone to convince you to spend the extra money.
Yeah this is an entirely subjective equation. How much do you value the BMW roundel and luxury? What’s a dollar worth to you? Obviously the more money you have the less significant the extra 5K + extra gas cost are over life of lease.
Haha…its other way around. I want people to convince me to get Ford spend $5K on better things. 
Get the Fusion and a Vegas weekend coke and hooker binge. Also it should be easier to swap out of.
Commuter go with the Ford plus it has more miles?
Also, might want to look at the GLC350e?
At 10 miles ev range it’s really not worth it as a commuter.
I assume you’ve already looked at and priced out the following for leases?:
Clarity PHEV
Ioniq PHEV
Niro PHEV
The Clarity may be your best bet.
This is a weird comparison. It’s just a matter of whether you want to spend more money for more car. Ford Fusion can’t compare to BMW 5. Like why are you guys even comparing? 
Clarity PHEV …no way you will get close to $286 with current Honda incentives.
Ioniq PHEV…slim shot, very few deals on this car.
Niro PHEV…maybe, a few weeks back one was listed under $300 on here.
Ahh ok, good to know. Haven’t priced out any of those.
electric range in real life on 530e is roughly 20 miles, if that
Ive never gotten close to 20 mi on E
Gov say 16…
Fusion Energi sounds like a great commuter car for the price. 530e is $16,400 for 3 years, and Fusion Energi is $10,582 (which could be even less if you drop down to 10,500 miles per year).
As others mentioned, you’re paying a $5k premium for the 530e. If you have $5k burning a hole in your pocket and don’t need the extra 2k miles per year, burn the $5k and enjoy the BMW. Otherwise save/invest that $5k or spend it on something else. Only you can make the call in the end.
Your insurance agent will have to tell you the insurance cost difference.
You may also have some other compelling options to lease a BMW i3 or purchase a VW eGolf on the cheap in CA (if you don’t need a gas option).
It rides/drives/handles like neither of the aforementioned sedans. I’d take the Fusion Energi over the GLC350e.
It’s been said: the Ford is a better deal and will cost less to operate. The BMW is a more luxurious looking/driving experience.
As someone who spent months shopping both and chose neither: if you can afford both, pick the one you enjoy driving the most. If you are trying to be frugal, unapologetically go get that Fusion Energi it’s a fine ride and you can brag about your hundreds of MPGs.
Just keep in mind: the Fusion comes in only one trim - loaded (leather, co-pilot 360, etc). Only option is sunroof or not. The Clarify deal is base, cloth seats and no sunroof (not available). The NIRO is very nice but doesn’t lease well especially as you climb trims.
What is this thing “insurance agent” ? I’ve had car insurance for 9 years since I moved to US, only AAA had “agents”. It takes 5 mins to get a quote from any company online. I usually pull 4-5 to see which one offers best but yeah, it shouldn;t be too time consuming, remember 15 mins could save you 15% or more…
We are getting 12-13 miles only. Pretty pathetic.
Do you get spam for months later? I am always so hesitant to give the websites my info.