It is up to you to decide whether or not to have sex with your boyfriend. You only have to do it when you feel ready, do not worry about how others view premarital sex, it is very personal. Social rules are social rules, they might be right or might be wrong, it is up to you to decide if you want to stick to them or not. If you decide to do it, it is your body and your decision, so do not worry about what people might be saying, everyone has the right to chose where and when to start having sex. Are your insicurities related to the social rule that sex must happen only inside marriage? Or are you just not ready? Or is it a trust issue? Maybe you don't trust your boyfriend enough, and in that case you must not have sex at all. Maybe you feel he is not the right person!
In my opinion sex before marriage is not wrong in itself, because you cannot marry someone if you don't know how they are in bed. Immagine sharing your life with someone you are not sexually compatible with. In my opinion if you are having insicurities you should wait, when you find the right person you'll know! good luck