What the hell is "White Heat"? That's what most of your audience would say, if they were informed of the fact that your movie makes reference to it.
Your question has already been answered -- yes, you need official clearance to use any audio or video from a movie that isn't in the public domain. You don't need any clearance to use a single line, however, so your character can still say what you want them to say.
The thing is, nobody is going to get it. Do you have any idea how few people have seen the movie you're referencing?
I'm not discouraging you from referencing it, not at all. In fact, my first feature film has a new movie reference just about every five minutes. Some of them are super obvious to anyone, while some of them go unnoticed by even seasoned movie geeks. And that's exactly how I want it! So go ahead and put your White Heat reference in there, but don't expect many people to get it (even if you have clearance to show a clip from the film).