If you want to insert data using 3 tables than you can do something like:
INSERT INTO user_details(`name`,email,`phone no`,`photo`)
SELECT `name`,`email`,`phone no`,`photo`
FROM user_details
INNER JOIN city ON user_details.city_id=city.id
INNER JOIN area ON user_details.area_id=area.id
INNER JOIN usertype ON user_details.type_id=usertype.id;