They would have to pull you over and cite the actual driver for it to hit your driving record and affect your insurance rates. Or have camera's etc on the ground, the officer must be able to identify who committed the offense, you can't just mail to the registered owner of the vehicle.
It would be possible for them to mail a civil cite kinda like they do with red light cameras, I don't specifically know of any states where that's permissible but in theory I would imagine it's possible, that would not have any affect on your driving record or insurance rates.
How fast were you going when you saw the helo?