How do I know I’m ready?

Almost everyone in my school year are starting to have sex and I just don’t understand it at all... like isn’t it awkward? Don’t you get insecure? I’m quite happy with my own body but I just know I would be so afraid to do it with someone. Don’t get me wrong... I’m a horny ass bitch and masturbate almost every day but I just don’t know how all these girls are just letting people enter their bodies?? Sorry if I sound like an absolute idiot 😂😂