Nah, masturbation hasn't caused you any damage. I've been masturbating daily since I was about ten and I don't find it affects my ability to orgasm during sex. I can orgasm through penetration alone, but see, it's really quite an individual thing - more of a case of what your guy is doing, or simply what makes you tick. Eiri's right, most women don't come through sex alone, they need touching too. This is totally normal.
I think it's good that you've been masturbating because it helps you to understand what feels good for you. There are many girls and women post on this forum about how they're having sex with their boyfriends and they want to come but they don't know how. They've never masturbated before, so they dont know what an orgasm is or how to achieve one. I think it in fact makes it much easier when you know!
Maybe you could get your guy to go down on you during foreplay and penetrate you just before you climax...