Cowpeas (Vigna uniculata L. Walp) are grown by many smallholder farmers in sub-Saharan Africa for food and their ability to fix nitrogen even under stress. Their performance depends on the indigenous rhizobial strains that live in symbiotic association with the roots; it can be enhanced if the seeds are inoculated with more effective ones. Data of the effectiveness of the technique under a variety of climatic conditions is rare. Here, we thus use a model to upscale two field experiments conducted in Namibia to include different climate change scenarios. The simulations show that non-inoculated cowpeas have mean yields of 0.5 t/ha and inoculated cowpeas 1 t/ha. If climatic conditions are favorable (cool and wet), estimated yield differences increase to over 1 t/ha. In dry years (< 200 mm), the average yield difference is only 0.1 t/ha. In the far future (2080–2100), instances of dry and hot years will increase. Using inoculated cowpea seeds instead of non-inoculated ones thus does not benefit farmers as much then as in the near future (2030–2050). In conclusion, using cowpea seeds inoculated with an efficient rhizobial strain can significantly increase yields under varying climatic conditions, but yield advantages decrease markedly in very dry and hot years.