In many places, when is using a phone while driving generally illegal?

Always illegal.

Illegal unless using a hands-free device; laws vary by jurisdiction.

The main idea here is that driving laws aim to reduce distraction from phone use by banning handheld use while allowing hands-free communication in many places. That’s why the best answer is that it’s illegal unless you’re using a hands-free device—the rule commonly allows hands-free use, with the exact details varying by location. Some jurisdictions may have stricter bans or different exceptions, but the general approach is to prohibit holding a phone and to permit hands-free operation. The other statements are too absolute or too narrow: there isn’t a universal “always illegal,” and it isn’t limited only to school zones or only to highways in most places.

Illegal only in school zones.

Illegal only on highways.

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