Howard played at Baylor from 2012 to 2015. During his career, he had 98 tackles, 10 interceptions 1.5 sacks, and one touchdown. After his junior year, he declared for the 2016 NFL Draft.
College statistics
Professional career
Howard was one of 59 collegiate defensive backs to attend the NFL Scouting Combine in Indianapolis, Indiana. He completed all of the combine drills and finished tied for 12th among defensive backs in the short shuttle. He attended Baylor's pro day, along with Shawn Oakman, Andrew Billings, Corey Coleman, Spencer Drango, Jimmy Landes, Grant Campbell, LaQuan McGowan, and nine other teammates. Howard opted to redo the majority of workouts and improved on all his combine numbers with scouts and representatives from all 32 NFL teams looking on, including head coaches Mike Tomlin and Bill O'Brien. He lowered his time in the 40-yard dash, increased his vertical jump, and also ran a quicker three-cone drill among others. Howard attended private workouts and visits with multiple NFL teams, including the Miami Dolphins, Tampa Bay Buccaneers, and Tennessee Titans. At the conclusion of the pre-draft process, Howard was projected to be a second or third round pick by NFL draft experts and scouts. He was ranked the eighth best cornerback prospect in the draft by NFLDraftScout.com, was ranked the ninth best cornerback by NFL analysts Mike Mayock and Gil Brandt, and was ranked the 15th best defensive back in the draft by Sports Illustrated. The Miami Dolphins selected Howard in the second round of the 2016 NFL Draft. In order to draft Howard, the Miami Dolphins traded their second-round pick and fourth-round pick in the 2016 NFL Draft to the Baltimore Ravens' in exchange for their second-round pick. The Ravens went on to draft Boise State linebacker Kamalei Correa with their second-round pick and Cincinnati wide receiver Chris Moore with their fourth-round pick. Howard was the sixth cornerback selected in 2016.
2016
On May 18, 2016, the Miami Dolphins signed Howard to a four-year, $6.12 million contract with $3.83 million guaranteed and a signing bonus of $2.65 million. During organized team activities and minicamp, Howard competed for job as the No. 2 starting cornerback against Tony Lippett. On the final day of minicamp, Howard suffered a knee injury and was placed on the physically unable to perform list after it was discovered he would require surgery. Howard underwent arthroscopy surgery and was unable to physically participate in training camp. Although he missed the first three preseason games, head coach Adam Gase elected to name Howard the second starting cornerback, alongside veteran Byron Maxwell, to begin the regular season. He started the Miami Dolphins' season-opener at the Seattle Seahawks and recorded a season-high 11 combined tackles during their 12–10 loss. On October 6, 2016, Howard suffered another knee injury during practice. The meniscus injury required surgery and he missed the next nine games. On December 17, 2016, Howard appeared in his first game since his knee injury and collected three solo tackles and had a season-high three pass deflections during a 34–13 victory at the New York Jets. He finished his rookie season in with 40 combined tackles and six pass breakups in eight games and eight starts. The Miami Dolphins finished their first season under head coach Adam Gase second in the AFC East with a 10–6 record. On January 8, 2017, Howard started his first career playoff game and recorded five combined tackles, broke up two passes, and made his first career interception off of a pass attempt by Ben Roethlisberger as the Dolphins were defeated by the Pittsburgh Steelers in the AFC Wildcard game.
2017
Howard entered training camp in 2017, slated as the Miami Dolphins' No. 1 cornerback. He was named the starting cornerback to start the regular season, along with Byron Maxwell. Bobby McCain and Alterraun Verner were named the backup cornerbacks. Howard started the Miami Dolphins' season-opener at the Los Angeles Chargers and recorded a season-high seven combined tackles during their 19–17 victory. In Week 13, Howard recorded a solo tackle, a season-high five pass breakups, two interceptions, and returned one for a touchdown during the Dolphins' 35–9 win against the Denver Broncos. During the second quarter, Howard intercepted a pass by Trevor Siemian and returned it for a 30-yard touchdown to mark the first score of his career. The following week, he deflected three passes and intercepted New England Patriots' quarterback Tom Brady twice during their 27–20 win on Monday Night Football. He earned AFC Defensive Player of the Week honors for his performance against the Patriots. On December 17, 2017, Howard collected four solo tackles and made his first career sack on Tyrod Taylor, as the Dolphins were defeated by the Buffalo Bills 24–16. Howard finished with 48 combined tackles, 13 pass deflections, four interceptions, and a sack in 16 games and 16 starts.
2018
During the New York Jets home opener in Week 2, Xavien Howard got his first interception of the season. One week later, Howard recorded his third career game with two interceptions on Derek Carr in the 28–20 victory over the Oakland Raiders. Howard also intercepted Colts' quarterback Andrew Luck twice in a span of 14 seconds during the Dolphins' loss at Indianapolis. In Week 13 of the 2018 season, Howard injured his knee after intercepting Bills' quarterback Josh Allen for the second time that afternoon. He went on to miss the final four games of the regular season. Howard ended the 2018 season leading the league interceptions with Chicago Bears corner Kyle Fuller and Atlanta Falcons safety Damontae Kazee with seven. Howard was named to his first Pro Bowl and first second-team All-Pro.
2019
On May 9, 2019, Howard signed a five-year, $76.5 million contract extension with the Dolphins with $46 million guaranteed, making him the highest-paid cornerback in the league. In week 3 against the Dallas Cowboys, Howard was ejected after slapping wide receiver Cedrick Wilson Jr. on the facemask. Prior to being ejected, Howard recorded 2 tackles in the 31-6 loss. Howard was forced to miss the next three games due to a knee injury. He made his return in week 8 against the Pittsburgh Steelers. In the game, Howard recorded an interception off a pass from Mason Rudolph that was intended for JuJu Smith-Schuster before reinjuring his knee. Without Howard, the Dolphins lost 27-14. He was placed on injured reserve on October 29, 2019 with a knee injury.
2020
Howard was placed on the active/physically unable to perform list by the Dolphins at the start of training camp onJuly 28, 2020.