if you're a virgin at this age I can make some general assumptions:
1) you don't practice talking to people and you never step out of your comfort zone
2) you don't take as good care of your appearance, hygiene etc as you could do
3) you have let the former 2 destroy your self-worth and confidence.
I lost my virginity quite late on at 20 (23 now)
I had a lot of "almost" moments before that, usually it stemmed from my utter lack of comfort and confidence
the most important "almost" moment was what drove me over the edge - a stunningly cute girl came back with me after a night out and I was so down on myself about my chances with her that I didn't even make a move. and later on, several months later, she told me that that night she *wanted* me to make a move on her, and she was left disappointed that all we did at my house was chat. I learned more than ever that night that girls are actually quite predictable: they want *you* to make the move, and even if they really like you, they won't budge. and if you don't make that move, you're never going to get them. after about a year of working on myself, I eventually *did* bag that girl as well.
you simply haven't had a life-changing moment like this^ yet, perhaps. you haven't been driven to get rid of at least number 1 on that list above. you have to realise that even *if* you're ugly, even *if* you're not great at talking *or* if you're not funny, there are girls out there who don't care and will care about other qualities that you may happen to have. but at the same time, you can work on those problems as well. and even if you fail, your confidence will be more attractive in that failure than failure *and* no confidence.
tl;dr = stop being an anxious little **** and develop into a confident person.