This is very close to broquaint's, but a bit more orthogonal:

print
    'INSERT INTO table(' . join(',', @fields)
    . ') VALUES ('       . join(',', ('?') x @fields)
    . ')';
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However that's too many parens and single quotes to grok for my taste. Here's what I'd do:

{
    local $" = ',';
    print "INSERT INTO table(@fields) VALUES (@{[ map '?', @fields]})"
+;
}
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Update: or of course, even better

{
    local $" = ',';
    print "INSERT INTO table(@fields) VALUES (@{[('?') x @fields]})";
}
[download]

Update 2002 09 30: it has to be $" of course, not $, -- doh.

Makeshifts last the longest.