Adoption or Artificial Insemtaion?

I'm 19 years old and will be 20 in 2O15 of June. In my city I cannot adopt or have an Artifical insemation until 21, but the next city over me allows Artifical at the age of 18. I was thinking about doing it and researched a lot about it, I've also looked into a surrogate but in my city it's also 21+. I have really bad anxiety and not someone who would prefer to carry their own because scared to lose it due to anxiety. I'm still a virgin because I'm lesbian , I just don't know if I should do the Artifical or wait to adopt but adoption is never 100%% sure it goes through.