Any phone usage during a drive has an impact on your Focus score - including using maps or music apps.
Any handling of your phone during a drive (by you or your passengers) will have the biggest impact on your Focus score.
Using hands-free mode has a smaller impact - but it will still bring your Focus score down.
So if you’re using maps or music apps, we suggest setting them up before you start driving. The best thing for your driving score (and your safety) is not to use your phone at all when you’re behind the wheel.