This happens mostly because of nervousness. It will be easier for you to start having orgasms from penetrative sex after having a clitoral one. Also being with someone longterm and learning each other's body helps.
Masturbation can also anaesthetize the pelvis, especially if you use vibrating toys often. vibrating Toys tend to induce clitoral orgasms thus you are training your body to react as such—constituting any partner no match next to the dildo—hence your issue.
You also need to relax and have more confidence in your self. You sound like you need to solve some issues in regards to how you perceive yourself.
I have clitoral orgasms just fine.
@lauralemons
I never said you have problems having clitoral ones. Perhaps you need to read again what I wrote.