Well, I am a plague unto the DMV’s computers and in my extensive experience, a ticket less than 10 over during the day or 5 over at night won’t affect your rates in any meaningful way. These days a lot of insurance companies will even excuse a single more serious ticket if you’ve been a customer for a while. So relax!
I don’t know exactly how it works in Canada, but at least in the US the tickets are a matter of public record and the insurance companies have database services that collect that information with varying degrees of success. It’s completely separate from the points system some states have and thus whether two states/provinces share infraction information for points purposes is irrelevant to what your insurance rates will do.
It used to be that if you got a ticket in some podunk town (or state) somewhere it might not ever show up on your insurance company’s version of your driving record, but these days at least in my experience they all do. Although sometimes they take a long time-- I had one local ticket that didn’t show up on my record until a year and a half later and so with my renewal schedule and since they only count them for three years I only had a year of inflated rates as a result.