Taylor made his NFL regular season debut on September 6, 1981, in a 24–10 loss to the Philadelphia Eagles. Aside from incurring a penalty for a late hit on Eagles running back Perry Harrington, Taylor played a nondescript game. In a game versus the St. Louis Cardinals later in the season, Taylor rushed and sacked the passer when he was supposed to drop into coverage. When told by Parcells that was not what he was assigned to do on that play, and that what he did was not in the playbook, Taylor responded "Well, we better put it in on Monday, because that play's a dandy." He recorded 9.5 sacks in 1981, and his rookie season is considered one of the best in NFL history. He was named 1981's NFL Defensive Rookie of the Year and Defensive Player of the Year, making him the only rookie to win an Offensive or Defensive Player of the Year award. Taylor's arrival helped the Giants defense reduce their points allowed from 425 points in 1980 to 257 in 1981. They finished the season 9–7, up five games from the previous season, and advanced to the NFL divisional playoffs, where they lost 38–24 to the eventual Super Bowl champion San Francisco 49ers. The San Francisco win was due partly to a new tactic 49ers coach Bill Walsh used to slow Taylor. Walsh assigned guard John Ayers, the team's best blocker, to block Taylor and, although Taylor still recorded a sack and three tackles, he was not as effective as normal. In contrast to his on-field success Taylor was already developing a reputation for recklessness off the field; after nearly getting killed during the season when his speeding resulted in a car crash, Young told the team's trainer he would be surprised if the linebacker lived past the age of 30, and the Giants insured Taylor's life for $2 million.