Yep, very.
1) You're not sensitive to your fingers yet. You might eventually work into it
2) When girls first begin to masturbate, they typically stimulate the Clitoris which is just above the urethral orifice (Pee hole) Its equivalent to a penis.
Girls don't normally have a vaginal orgasm until much later, mid to late 20s.
3) Virgins will experience more discomfort as they're not "popped." (The hymen which is a thin layer of skin covers over the vagina)
You like to hump things which will stimulate the clit. Cheers! and have fun