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";
}
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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,