It is known as Finzel Road and covers a distance of 3.61 miles (5.81 km) from Beall School Road, situated south of an interchange with Interstate 68 (I-68) and U.S. Route 40 (US 40) in Finzel, which is located in northeastern Garrett County.

MD 946 used to follow the southern part, but its terminus was shifted west when I-68 was constructed in the early 1970s.

A short distance to the northeast, the road intersects the ramps to and from eastbound I-68 and US 40 (National Freeway).

MD 546 continues north along the ridgeline of Little Savage Mountain through scattered residences and farmland to its northern terminus at the Pennsylvania state line.

[4] The state highway originally followed what is now MD 946 to its southern terminus at a standard intersection with US 40 (now US 40 Alternate).