As long as you’re using something that is sanitary and clean, it’s fine to use a toy during masturbation. Here’s a good article from Heather Corinna at Scarleteen.com that gives you some more information about masturbation. Probably the easiest and safest thing to put into your vagina during masturbation is also easy to find - your fingers! Just be sure you’ve washed them and your fingernails aren’t too long.

And nope, you are certainly not too young to masturbation.