If the number of values that you need to be inserting in your query is fixed, and yu're using DBI, placeholders are the way to go.
# Code that connects to database
my $sth = $dbh->prepare('
Insert into person_info VALUES(?,?,?)');
# Code that opens your file.
while (<FILE>) {
my @row = split /,/;
$sth->bind_param(1, $row[0]);
$sth->bind_param(2, $row[1]);
$sth->bind_param(3, $row[2]);
$sth->execute()
or warn "Couldn't execute INSERT: $DBI::errstr\n";
}
Of course, this doesn't take into account the manipulation on the second field of your csv that it sounds like you need to do.
Hope that helps,