The only real answer to this with current consumer devices is to have a soundproof case for your phone. Radio connection can be kept alive, and if the case were smart it could have its own internal mic, wired to an led or speaker on the outside of the case to alert the user that the phone is ringing.
It's a product I've been kicking around producing for a while now. Is there demand? Would you purchase for peace of mind?
I have come to peace with ubiquitous and comprehensive data collection of everything I send unencrypted over the wire. In a way it fits with current 4th ammendment ideas concerning zero expectation of privacy.
But just like the Supreme Court I strongly draw the line at the walls and shade drawn windows of my home. I do not want internal surveillance of my personal conversations with friends or lovers in my own home, and every internet connected microphone you own, in your macbook, Fire TV remote or cell phone can be almost trivially turned into a bug by any actor with the right exploit.
We've already seen it done by IT at a school district [1], school staff attempted to use laptop webcam photos of students in their bedroom to discipline them for drug use.
[1] https://en.wikipedia.org/wiki/Robbins_v._Lower_Merion_School...