Nothing is guaranteed to work!
<?php

function fSQL_INSERT($D,$T,$FV){	//	( Database, Table, Fields & Values Array )


if( !is_array( $FV ) ){ return false; }				//	<-	Key-Value Array. Keys are Field Names, Values are values

$a = $D -> prepare( 'SHOW TABLES' );
$a -> execute();
$A = $a -> fetchAll( PDO::FETCH_COLUMN );			//	<-	Gets all Tables of your Database


if( !in_array( $T, $A ) ){ return false; }			//	<-	Makes sure your Table exists in your Database


$a = $D -> prepare( "DESCRIBE $T" );
$a -> execute();
$A = $a -> fetchAll( PDO::FETCH_COLUMN );			//	<-	Gets all Fields of your Table


$i = 0;
$R = array();
$FIELDS = '';
$VALUES = '';
$F = '';
$V = '';
foreach( $FV as $F => $V ){
	if( !in_array( $F, $A ) ){ return false;  }		//	<-	Makes sure all Fields exists in your Table
	$FIELDS .= " `$F` ";								//	<-	Sets up the String we will be using
	$VALUES .= " :$i ";								//	<-	Sets up the String we will be using
	$R[":$i"] = $V;									//	<-	Sets up the Array to execute
	$i++;											//	<-	Used for Array key values and adding a comma in String
	if( $i < count( $FV ) ){
		$FIELDS .= ',';
		$VALUES .= ',';
	}			//	<-	Adds a comma to the String if needed
}

$a = $D -> prepare( "INSERT INTO `$T` ($FIELDS) VALUES ($VALUES)" );

while( $i > 0 ){
	$i--;
	$a -> bindValue( ":$i", $R[":$i"], PDO::PARAM_STR );//	<- Use a bindValue thing - i think its supposed to be safer
}
$a -> execute();									//	<-	Execute

return $D -> lastInsertId();

}

?>
Example:

<?php
/*
$LAST = fSQL_INSERT( $DataB, 'account', array(
		'password' =>  $Password,
		'email' => $Email,
		'registered' => time()
) );
*/
//if( $LAST ){ echo 'Your ID whatever is ' . $LAST; }

?>

Nothing is guaranteed to work!
Example: