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.