No one was charged with insurrection or even rebellion. Even Jack Smith didn't indict Trump for insurrection. The 14th Amendment discussion is a canard.
unfortunately for your argument , the 14th amendment says nothing about being "charged with insurrection." What it says, in plain everyday English, is that anyone who has taken an oath to uphold the Constitution
and subsequently
"engaged in insurrection" against [the Constitution of the United States] is disqualified from holding Public office unless the Congress by two-thirds vote allows the disqualified candidate to run. In other words the insurrectionist candidate is automatically disqualified unless the Congress acts specifically to remove the disability.
It's pretty clear!
No person shall be a Senator or Representative in Congress, or elector of President and Vice-President, or hold any office, civil or military, under the United States, or under any State, who, having previously taken an oath, as a member of Congress, or as an officer of the United States, or as a member of any State legislature, or as an executive or judicial officer of any State, to support the Constitution of the United States, shall have engaged in insurrection or rebellion against the same, or given aid or comfort to the enemies thereof. But Congress may by a vote of two-thirds of each House, remove such disability.
There is hardly any part of our U.S. Constitution that is more clear than section 3 of the 14th Amendment. The obvious purpose of the Amendment is to safeguard the Republic against a tyrant who, given the opportunity, would seize power unto themselves and take over the government.
The Court has put the States in a difficult position. They must either obey the Court or obey the Constitution. In an ideal world, the States might ignore the Court's decision, which has the appearance of being motivated by ideology and emotion, and instead obey the Highest Law of the Land.