Lets not make this complicated. KNIGHT AND KING CANNOT REPEAT CANNOT FORCE MATE. Therefore, insufficient material.
Knight and King CAN force mate. For example, see the diagram below. It is White to move, and Black's flag just fell.
FIDE, This is easily a win!
USCF, This is a win because 1.Nf1 forces 1...h2 and then 2.Ng3 is MATE!
CHESS.COM, This is a draw because the programmers are lazy.
http://archive.uschess.org/tds/clockrules.php
The USCF rule enables a draw to be claimed via insufficient losing chances by the way. Hence why their rule differs from FIDE (possibly
).