Gyno Visit

I'm about to be 20 and I have never been to a gynocologist because any time I mention getting a check up, my mother freaks because she says I shouldn't have anything wrong if I haven't been having sex. I feel guilty for even wanting to go. I have been sexually active so I feel like I really need to go but I dont know how to go about it without my mother getting made at me. Help? Suggestions? I'm tired of living in fear...