I'm 19 and I'm still a virgin I can legally have sex with pretty much anyone over 18 I want. That doesn't make it a good idea by any means.
Honestly I am having my own issues with the subject of sex so all I can say is.. you won't regret waiting nearly as much as you will regret later on spending your life with disease. ANd trust me.. they are out there in everyone.
Teenagers do some pretty nasty stuff.