Unprotected?

Alright so i’m not really sure how to start this but basically this guy that i know from my high school track team and i have been seeing each other for a couple weeks now. usually we have hung out in his car, and just sat in the back seat, talked and of course a couple of kisses. yesterday after hanging out for a while he asked to sneak me in, i wanted to do it to see him so i did. we laid in bed for a while and then started making out, he would make comments like “gosh i just wanna fuck you” or “i could fuck you” im a virgin and previous to this i’ve only EVER kissed boys so i have noo experience. i wasn’t planning on doing anything but one thing led to another and i eventually ended up saying yes to him. it’s not like it was forced out of me cause i feel like he would’ve been understanding but something just changed and i decided yes i don’t know why. i feel really guilty he didn’t use any protection and im so scared for that, im 99% sure i won’t end up pregnant but i’m so scared. i am a freshmen in high school and i don’t know if this is too young to loose my virginity. so i guess i’m writing this to ask what is a good age to loose your virginity? and was this too soon? should i have waited?