I was in the same boat as you buddy, I started doing tournaments at the same age. For me I worked really hard to get my school to allow a bass team, they were worried about liability as well... I contacted the CEO of the FLW High School league and had him personally call my principle. But if that is a no go for you then here are a few option that could work.
- Most bigger bass clubs will have a junior club as well, this will allow you to fish tournaments but do it with kids your age and then once you are old enough and feel ready you can move up to the adult club.
-Do some Google searches as there are plenty of small non B.A.S.S or FLW leagues out there for bass tournaments. As well as plenty of open tournaments out there for you to join I bet every weekend somewhere in your state. Many of these you need to have at least someone in the boat who is 18, but these tournaments are also team tournaments so even if one of your parents or a family friend is not in to fishing you could ask them to at least ride along in the boat as your "partner" so that you are legal to fish the tournaments.
I know this can all be confusing and I know exactly how you feel as this was me a few years ago. So if you have any additional questions I will be more than willing to help you out just message me.