$re = '/(?:"?([^"]*)"?,){2}/U';
$str = '196778,"df,fdfsdf","4.4","ds-sdads231-33","mmh",1023,1,"20150,62519535TY"';
$subst = "bar";
$result = preg_replace($re, $subst, $str, 1);
echo "The result of the substitution is ".$result;
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php