yesbaby, The difference between humans and animals are that we are in control of our urges. So there is no reason to act out every urge you experience. Physically you are probably ready. Psychologically you are probably not even close to ready to having sex and accept responsibility for what might happen.
But it is still a decision which you will have to make for yourself. Nobody can make that for you. Here is the question to ask: If something goes wrong and you get pregnant, what will you do? What happens if your parents catch you? Or if you get an STD? Are you willing to admit to your parents that you are having sex if they ask? (I am not talking about being embarrassed but fearing their reaction)
It is also most likely illegal for you to have sex at your age where you live. You and your boyfriend can be found guilty of statutory rape and locked up. You are not considered at an age where you can give consent to sex. This happens more often than you think. If you get an STD or pregnant, the local laws can force the caregiver to report it. Parents are also less understanding if their 13 year old daughter get pregnant and will often lay charges against the boy. There is a reason why girls of your age is called 'jail bait'.
Do what any other teen does, employ some self control and masturbate to work off the sexual stress.
If your mom did not have the sex talk with you yet, speak to her or another adult female you trust or find a book at your library. It is very important that you understand your fertility, cycles and anatomy before you even think of having sex. That way you can at least make informed decisions.
Take care and PLEASE be safe and make good decisions!