Is it normal?

So i’m 19 and

I’ve never fully masturbated- like the part where you rub your clit and stick a finger in your vag kind- in my life. What I do is I rub my hands against my panties and can feel myself getting wet. I’m scared that if I put a finger in my vag it’s gonna hurt and I never know when I’m stimulated enough.

Sometimes I also do that thing Natalie Portman did in Black Swan where she’s on her stomach fingering herself. I get on my stomach but kinda slowly grind on my hand through my pants.