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I truly think it's depends on your comfort level and how relaxed (and wet) your body is. If you're more relaxed, you won't tense up and it shouldn't be painful. BUT, all bodies are different. My first time wasn't painful but it was because the person I was with spent time to also make my body feel more comfortable (other forms of foreplay, etc.). :)
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Some of the replies to this are wild.
Firstly, you should do foreplay, it will help get you relaxed, in the mood and light touching is a fun activity. Once you're relaxed and wet it should be easy to slip something inside.
If you're not relaxed, or wet it doesn't matter if you're a virgin or not, you're not going to have a good time without being wet and comfortable. I can't fit a dildo in me right off the bat if I take a break from using it. I'm too tight. So I have to ease myself into getting excited and that leads to easier insertion. Even with my husband we can't go unless I'm ready, I'm just too tight.
At the OBGYN it's painful for me to get the ultrasound wand up there when they check my fibroids, I'm tense and not excited hah. I've switched doctors because an old dude who used to be my OBGYN would literally just shove the wand up me and it hurt so bad.
Being a virgin doesn't make you more "tight" or anything. Hymens usually break while you're young, just by riding a bike, a horse, or doing gymnastics. The hymen is a shitty male idea that is just another misconception the world has towards women and our bodies. Most girls don't have their hymens intact by the time they're engaging in sexual activity.
Just remember to be safe, use birth control, and find someone who respects you and wants you to enjoy yourself. Any guy who won't go down or finger a girl isn't worth it, and you deserve to be treated like a queen. ╮( ̄▽ ̄)╭
As a virgin I always wondered, is been finger f# for the first time (for virgins) painful or pleasurable? Because, we never had anything inside, even one finger and they put like 2, 3 or 4 finger inside.