First, there is no such thing as digital. It is just an abstraction to facilitate our understanding and design of circuits. Any number of issues can cause that abstraction to fail, even deep within a modern chip, let alone at the board level. On-chip cross talk, RC drop, and ground bounce are simple analog issues that have to be contended with on digital designs. Every chip has a power supply and the smaller geometry chips have less tolerance to supply spikes. Same with I/O including voltage range tolerances and ESD protection. All that gets harder in smaller geometries. Also factor in circuit lifetimes (including digital). Due to a variety of mechanisms, small geometry chips just are not as reliable and some of these mechanisms are very hard to accelerate so qualification is a nightmare.
A smart phone is not a "way more noisy" environment than a car. It has different issues, and frankly a far more constrained and predictable environment. A load dump event in a car can take the 12V supply over 100V. I have never heard of that in cell phone. Long wiring harnesses are a nightmare and require careful design. It is hard to compare a cell phone and car without a clear definition of "noisy", but as someone who has designed systems similar to both, I think the car is a harder set of problems. Just not as constrained noise sources or components.