Two experiments tested whether a peak-shifted generalization gradient could be explained by the averaging of distinct gradients displayed in subgroups reporting different generalization rules. Across experiments using a causal judgment task (Experiment 1) and a fear conditioning paradigm (Experiment 2), we found a close concordance between self-reported rules and generalization gradients using a continuous stimulus dimension (hue). Both experiments also showed an overall peak-shifted gradient after differential conditioning, but not after single cue conditioning. Importantly, the peak shift could be decomposed into linear and peaked gradients when participants were divided into rule subgroups. Our results highlight the need to consider individual differences in the rules that participants derive in human generalization studies and suggest that in some situations, peak shift may be a consequence of averaging across diverse rule subgroups.