By "civilians", do you mean citizens who are not members of the armed forces, or those civilians whom the state has not given a badge, gun, and the title "LEO"? If you mean the latter, I think it's around $2k.
Contrary to popular belief, individual LEOs do not get special prices on body armor as a general rule. The only good prices for LEOs on body armor are when DEPARTMENT asks for bids on a specific quantity of vests and the department is doing the purchasing. In the Galls Public Safety Equipment catalog the price of a level II Second Chance Ultima is $969.99. That is the price I would pay if I purchased it myself as a individual LEO and that would be your price. I looked in the catalog and it does not show body armor as being a restricted item. The web address for Galls is www.galls.com.
You can go to Second Chance's web site and order a catalog for yourself. www.secondchance.com
I found the catalog a little confusing with their Ultima, Monarch, +P+, etc. products and then vest styles. They kept talking about 8th generation improvements, but I don't think I saw anything described as 8th generation. Anyway, prices vary between styles and level of protection. Spending $1000 could be very easy.