Hi there girlplayer34, and welcome to Scarleteen!
I'm so happy that you asked this question, because it has an easy answer: there is no age limit for having sex! There are lots of people who don't have sex until their 20s, and 30s, and beyond! There are even some people who choose not to have sex their whole lives! And that's totally okay. (If you want to learn more about the whole distorted concept of "virginity" and its problematic roots, I highly recommend checking out Magical Cups and Bloody Brides: Virginity in Context
I know it might be hard to internalize the idea that sex is a totally personal choice and that you shouldn't feel bad comparing your own timeline to others, especially with popular media like T40YOV making it seem like being unsure/inexperienced makes you a loser. But it really, really doesn't. Everyone starts out with zero knowledge, and no matter how many teen movies or issues of Cosmo they read, they aren't prepared to actually be sexual with another person until they start experimenting and learn experientially.
You mentioned having sex "sooner rather than later", and I really want to know more about that. Are you feeling like you want to have sex, and like there are other people around you that you might be compatible with? How about mitigating risk, like STI transmission or pregnancy (if that's applicable)? (These questions and more can be found over at Ready or Not: The Scarleteen Sex Readiness Checklist
, which you might find helpful!)
Also, about your friends: are they sexually active, and/or are they telling you that you're too old? If so, that seems a little disrespectful - people who care about you shouldn't try to pressure you or make you feel bad about making a choice that is deeply individual and vulnerable. How do you feel about what they've said?
I can't tell you whether or not it's the right time for you, but I will tell you that the best and most wonderful sexual experiences happen when we're feeling calm, relaxed, grounded, safe, comfortable in our own skin, and connected with the other person. That usually takes a bit of time, and thinking about those questions above, and slowly building up to it.
There's nothing wrong with where you're at and the choices that you've made! And you're certainly not alone. <3